Medicaid is the largest payment source for long-term care expenses.  In order to qualify, a person must spend down assets to become eligible.  With the rise of long-term care costs, the asset spend down can easily wipe out a person's retirement nest egg. Over the years Medicaid has enacted numerous safe harbor provisions to promote planning and protect community spouses. These rules heavily favor the strategic use of certain types of annuities and other financial tools that are instrumental in helping a person legally qualify for assistance with the high cost of long-term care.


We support the use of these finanical products by knowledgable professionals to use in planning for a variety of available long-term care benefit program.  
Click on a product listed below to learn more about how these products can help.

The HarborMaster™, HarborMaster Flex™, and AssetGuard are trademarks of National Guardian Life Insurance Company and used by permission.  Whitehall Bay™ is a trademark of Whitehall Bay, LLC. Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an Elder Law Attorney in your state for assistance.